Business Term Loans
Structured financing with predictable payments and longer repayment periods for qualified businesses.
Best for: Expansion, equipment, acquisitions, major investments.
Programs
Financing structures we work with
Every product below carries different qualification standards, documentation requirements, cost structures, and repayment or remittance mechanics.
Business Lines of Credit
Access revolving capital and draw funds when needed, subject to approval and program terms.
Best for: Working capital, inventory, payroll, seasonal expenses.
Revenue-Based Financing
Flexible business financing structured around business revenue and cash flow.
Best for: Businesses needing fast access to working capital.
Merchant Cash Advance
Capital provided in exchange for the purchase of a portion of future business receivables. An MCA is not a loan.
Best for: Businesses prioritizing speed and flexible qualification.
Consolidation / Refinancing
Structures designed to reduce or reorganize existing business financing obligations where available.
Best for: Businesses carrying multiple financing positions or expensive short-term obligations.
HELOC / Home Equity
Homeowners may be able to access available equity for qualifying purposes through separate home-equity financing programs.
Best for: Homeowners exploring equity-based financing options.
Structure Matters
The right capital depends on the business
A business doing seasonal wholesale volume and a contractor financing a new crew have different capital needs. We evaluate available options rather than pushing every applicant into the same product.
- Monthly revenue
- Time in business
- Cash flow
- Industry
- Credit profile
- Existing obligations
- Requested financing amount
- Intended use of funds
Use of Funds
Capital for the next move
Business owners use financing for planned investments and unplanned pressure alike. These are the requests we see most often.
Working Capital
Cover day-to-day operating costs.
Inventory
Purchase stock ahead of demand.
Payroll
Keep staffing steady through gaps.
Equipment
Add or replace revenue-producing assets.
Expansion
Fund growth into new capacity.
Renovations
Improve facilities and buildout.
Marketing
Invest in demand generation.
New Locations
Open additional sites.
Acquisitions
Move on opportunities quickly.
Emergency Expenses
Address unplanned costs.
Seasonal Cash Flow
Bridge predictable slow periods.
Position Consolidation
Reorganize existing obligations.
Underwriting
What do we look at?
Qualification varies by financing product. A merchant cash advance and a bank-style term loan are reviewed against different standards, so a business that fits one may not fit another.
- Time in business
- Monthly business revenue
- Average bank balances
- Cash flow
- Industry
- Business credit
- Personal credit where applicable
- Existing financing obligations
- Requested financing amount
Program Requirements
- Minimum Monthly Revenue
- [REQUIREMENT]
- Minimum Time in Business
- [REQUIREMENT]
- Minimum Credit Profile
- [REQUIREMENT / VARIES BY PROGRAM]
Requirements are editable placeholders and vary by program. Do not publish minimums until confirmed by the funding partner.
Process
How it works
Four steps from application to a financing decision you actually understand.
01
Apply
Complete a short business financing application and provide basic information about your company.
02
Review
A financing specialist reviews your business profile, financing needs, and available documentation.
03
Compare Options
If eligible, review financing structures available based on your business profile and objectives.
04
Choose Your Financing
Select the option that makes the most sense for your business and complete the required closing process.
Start Your Application
[COMPLIANCE PLACEHOLDER] Applying does not obligate you to accept an offer — display only if consistent with company policy.
Find out what financing options are available to your business
Tell us a little about your business and financing goals. Our team can review your information and discuss available options.
[COMPLIANCE PLACEHOLDER] No obligation to accept financing.